IP Library Granted Patent US 11,037,155
Granted Patent B2
US 11,037,155 · App. 16/049,094 · Granted Jun 15, 2021

Security tool

Inventors: Sandeep Chauhan (Hyderabad, IN); Ravi Kumar Kesani (Hyderabad, IN)
Assignee: Bank of America Corporation
G06Q20/40145G06F21/602H04L63/0861
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Quick Facts
Patent No.
US 11,037,155
App. No.
16/049,094
Granted
Jun 15, 2021
Kind
B2
Abstract

An apparatus includes a memory and a hardware processor. The memory stores security credentials of a user. The hardware processor receives a first message indicating that the user initiated a transaction through a television and in response to receiving the first message, loads an application. The hardware processor also authenticates the user through the application using the security credentials of the user, extracts, from the first message, a price and an identification of a merchant of the transaction, and initiates, through the application, a payment of the price to the merchant.

Claims (69)

1. An apparatus comprising:

a memory configured to store security credentials of a user and an application; and

a hardware processor communicatively coupled to the memory, the hardware processor configured to:

register the application with a television, wherein:

registering the application reconfigures one or more devices within a network to reroute messages that are initiated by the television to a merchant to the application; and

registering the application enables the application to intercept communications between the television and the merchant;

receive a first message initiated by the television and destined for the merchant, wherein:

the first message indicates that the user initiated a transaction for a product through the television;

receiving the first message prevents the first message from reaching the merchant; and

the transaction was initiated through the television while the television was presenting a streamed video that comprises a layer that identifies and presents an offer for the product that appears in the video;

load the application in response to receiving the first message;

authenticate the user through the application using the security credentials of the user;

extract, from the first message, a price and an identification of the merchant of the transaction;

send a second message to the merchant to initiate a payment of the price to the merchant; and

communicate a third message to the television, the third message indicating that the transaction has been paid.

2. The apparatus of claim 1 , wherein the hardware processor is further configured to implement, through the application, at least one of an encryption procedure and an authentication procedure not implemented by the television.

3. The apparatus of claim 1 , wherein the hardware processor is embodied in a mobile device.

4. The apparatus of claim 1 , wherein registering the application provides the application authorization to receive the first message.

5. The apparatus of claim 1 , wherein the hardware processor is further configured to perform biometric authentication to authenticate the user.

6. The apparatus of claim 1 , wherein the hardware processor is further configured to:

receive, from the user, a selection between a first payment method and a second payment method; and

initiate the payment using the selection.

7. The apparatus of claim 1 , wherein the hardware processor is further configured to receive a username and a password to authenticate the user.

8. A method comprising:

storing, by a memory, security credentials of a user;

registering, by a hardware processor communicatively coupled to the memory, the application with a television, wherein:

registering the application reconfigures one or more devices within a network to reroute messages that are initiated by the television to a merchant to the application; and

registering the application enables the application to intercept communications between the television and the merchant;

receiving, by the hardware processor, a first message initiated by the television and destined for the merchant, wherein:

the first message indicates that the user initiated a transaction for a product through the television;

receiving the first message prevents the first message from reaching the merchant; and

the transaction was initiated through the television while the television was presenting a streamed video that comprises a layer that identifies and presents an offer for the product that appears in the video;

loading, by the hardware processor, the application in response to receiving the first message;

authenticating, by the hardware processor, the user through the application using the security credentials of the user;

extracting, by the hardware processor, from the first message, a price and an identification of a merchant of the transaction;

sending, by the hardware processor, a second message to the merchant to initiate a payment of the price to the merchant; and

communicating, by the hardware processor, a third message to the television, the third message indicating that the transaction has been paid.

9. The method of claim 8 , further comprising implementing, by the hardware processor, through the application, at least one of an encryption procedure and an authentication procedure not implemented by the television.

10. The method of claim 8 , wherein the hardware processor is embodied in a mobile device.

11. The method of claim 8 , wherein registering the application provides the application authorization to receive the first message.

12. The method of claim 8 , further comprising performing, by the hardware processor, biometric authentication to authenticate the user.

13. The method of claim 8 , further comprising:

receiving, by the hardware processor, from the user, a selection between a first payment method and a second payment method; and

initiating, by the hardware processor, the payment using the selection.

14. The method of claim 8 , further comprising receiving, by the hardware processor, a username and a password to authenticate the user.

15. A system comprising:

a television configured to:

present a streamed video to a user; and

present an offer for a product in the streamed video, the streamed video comprises a layer that identifies and presents the offer for the product that appears in the video; and

a security tool configured to:

store security credentials of the user and an application;

register the application with a television, wherein:

registering the application reconfigures one or more devices within a network to reroute messages that are initiated by the television to a merchant to the application; and

registering the application enables the application to intercept communications between the television and the merchant;

receive a first message initiated by the television and destined for the merchant, wherein:

the first message indicates that the user initiated a transaction through the television for the product when the television was presenting the streamed video; and

receiving the first message prevents the first message from reaching the merchant;

load the application in response to receiving the first message;

authenticate the user through the application using the security credentials of the user;

extract, from the first message, a price and an identification of a merchant of the transaction;

send a second message to the merchant to initiate a payment of the price to the merchant; and

communicate a third message to the television, the third message indicating that the transaction has been paid.

16. The system of claim 15 , wherein the security tool is further configured to implement, through the application, at least one of an encryption procedure and an authentication procedure not implemented by the television.

17. The system of claim 15 , wherein registering the application provides the application authorization to receive the first message.

18. The system of claim 15 , wherein the security tool is further configured to perform biometric authentication to authenticate the user.

19. The system of claim 15 , wherein the security tool is further configured to:

receive, from the user, a selection between a first payment method and a second payment method; and

initiate the payment using the selection.

20. The system of claim 15 , wherein the security tool is further configured to receive a username and a password to authenticate the user.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 30, 2018
From: CHAUHAN, SANDEEP; KESANI, RAVI KUMAR
To: BANK OF AMERICA CORPORATION
Reel/Frame 046502/0704 →
Continuity (1)
Related Publication 20200034846A1 · Jan 30, 2020